Get Payment Methods

Get available payment methods, with admin-toggle aware enabled+hint_text fields.

Each channel may carry a private per-user historical-recharge gate (see channel_config.get_channel_min_history_cny). When the current user's cumulative successful recharge in CNY equivalent is below the gate, that channel is reported as enabled=false with a generic hint — the gate threshold itself is never returned in the response (private internal policy).

Args: user: Authenticated user (Depends). /recharge requires login, and this endpoint is only called from there, so requiring auth is safe. language: User's i18n locale (zh/en/ja/ru). Used to localize hint_text fallback. currency: Optional CNY/USD filter for which methods to return. When None, we infer it from language for backward compat (zh→CNY else USD).